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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $42,741 | $51,169-16.5% | $108,753-60.7% | $65,191-34.4% |
| Participation rate | 14.3% | 47.1%-32.8pp | 71.1%-56.8pp | 63.0%-48.7pp |
| Annual return | 18.61% | 15.72%+2.9pp | 37.47%-18.9pp | 51.24%-32.6pp |
| Employer contribution / active EE | $245 | $1,535-84.1% | $2,427-89.9% | $2,400-89.8% |
| Participant deferral / active EE | $640 | $1,765-63.8% | $4,115-84.5% | $2,671-76.1% |
| Admin fee / account holder | $2,855 | $1,722+65.8% | $10,320-72.3% | $907+214.8% |